Finances

A lot of people out there are trying to figure out how to get ahead right now, and there’s a lot of financial advice out there for anybody looking. One such popular piece of advice is the 50/20/30 rule. This article is going to overview what the rule is, and how to...

A lot of people in the financial community have begun discussing the recent 30 day method as a way to control impulse spending. The basic idea is very simple in theory but can feel quite difficult to execute. This article is going to go over everything you need to...

Saving is something a lot of us aspire to, and less of us actually get around to doing. In saying that, it’s important to start saving, no matter what your current income level is. It’s easy to tell yourself you don’t have enough to save right now, but I bet if you...

We all want to do well financially, yet it’s surprising how few of us have taken the time to think about what that will actually mean. This article is going to overview ten tips for getting clearer on how to flourish financially, from ditching the debt to planning for...

Have you ever been on a diet? Why? Maybe you wanted to lose weight, maybe you wanted to be healthier, maybe you just wanted to operate at the best your body could operate at. Whatever the reason, chances are you recognized that changing your diet, your plan for what...

Tracking spending – the old fashioned way Have a savings goal? Having trouble tracking why you haven’t yet reached it? Consider a savings journal. I’m not a journaler by nature myself, but even I have to admit that I’d be lost without mine. Keeping...

A substantial portion of the population is in debt right now, every day of the year. It’s one of the most popular goals and resolutions, to get out of debt, yet so many of us never make it. Why? We are our own biggest enemy. This article is going to overview how to...

Saving by yourself, and what to do about a partner who won’t Saving is a common aspiration, but not always something that people want to act on. It may take months and months of thinking about how nice it would be to save for something before you actually...

Self-care has become an increasingly popular term for the things we do to ensure our personal wellbeing. People apply it to mental health, to friendship support, and many other areas of life, but often skip using it with finances. Why? I’m proud to say I’m...

Once upon a time, there were two full time working individuals.They made good wages, worked hard at their jobs, yet somehow never seemed to have savings. They mostly spent more than they earned, and couldn’t understand why they were still in trouble after all their...

The 50/30/20 formula or rule of thumb was written by Elizabeth Warren and her daughter Amelia Warren Tyagi, and published in the book they co-authored, “All Your Worth: The Ultimate Lifetime Money Plan.” Now as with all formulas this wont apply to everyone but for...

If you had or have an extra $2000 then there are a few ways you could use it to your advantage. What would you do with an extra $2000? Here are 7 tips to get you thinking: 1. If you have a credit card debt and are paying high interest every month on it then it’s a...

God forbid if you are forced to take time off from work due to any illness or injury. Can you still keep up with your bills if this happened to you? Here’s where income protection insurance comes into play and helps you to cope financially while you recover....

Compound Interest When people talk about the power of saving, they often emphasize the importance of interest. Interest is the gains you make on your money just for leaving it in an account, and there are multiple kinds of interest. The most interesting of these (by...

Many people who are looking to bolster their savings have turned their gaze towards investing. Investing your money can be a great way to grow it, when you understand what you’re doing. With its varying levels of risk and reward, it tempts a lot of people, but...

People are living longer and longer with recent advances of medicine. Our current life expectancies are 86 years (for men) and 89 (for women), and they’re only expected to rise. This is great news, and gives people a lot more time near the later years in life...

What should I be putting away? Savings are a critical element of financial health. Without savings, a single emergency could wipe you out, to say nothing of retirement. As we grow older, we naturally tend to work less, and our finances need to be prepared to support...

Your pension is likely an important part of your retirement plan. But do you really understand what you’re entitled to? What about how the new rates will impact you? This article is going to overview the details of some of the recent changes and rules involved...

Have you ever heard the term “good debt”? If not, you need to know about it. While it’s true that living a life of debt is bad in general, for both your pocketbook and your credit scores, there are some debts that can help to build your financial reputation....

There’s no getting around it, mortgages are large loans. The bigger the loan, the more you’ll need to be careful when arranging the terms and agreeing to take it on. Maybe you’re about to get a mortgage for the first time. Maybe you’ve had...

The need for personal loans has become quite common. Whether you’re financing a business or you’re looking for a quick repayment option, personal loans are a common resource. But how do you get the best interest rates? How do you qualify for the best...

Credit cards are a huge way to fall into the credit trap. You think you’re spending $20, and before you know it you’re thousands in debt. Fear not, you can get out, you just need to keep a level head and work your way out of it. Debt consolidation is...

If you’re reading this, chances are you’ve developed more than a passing interest in getting your finances organized. The stages for which this is new for you will be referred to as “starting out” and this article is going to walk you through the steps...

People get into debt all the time. You are not the first person to have made a few mistakes, and you will not be the last. The key is to get yourself out of that debt, and it does take work, the hardest of which seems to be facing up to the need to make a plan. Debt...

Financial experts of all walks of life have agreed, you should be paying yourself first every time your pay check comes in. Don’t know what this means? I didn’t either. It’s not a tricky concept, but it’s one that you should definitely...

Getting around yourself – Ways to work with yourself to save money Saving is an aspiration for many people, but an achievement for far fewer. Why? Through poor financial habits and temptations we often work ourselves right out of the money we’re trying so hard...

Saving is a great habit, and one that people have many different approaches to (some healthy, some not). One of the most common questions financial advisers encounter is “how much should I be saving this month” (quickly followed by “why should I be saving”). This...

Starting Saving Today Most people will at some point in their lives develop a desire (if not a need) to save. While often intimidated by whatever the goal may be, the truth is that every one has to start somewhere. This article will overview some of the best tips and...

Don’t let bills be your surprise of the month Households across the nation are being widely infected with a terrible sickness, a sickness that can only come from pure and utter shock that occurs when a bill is substantially more than anticipated for no apparent...

The Cash Only Savings Method Plastic cards can make it far too easy for us to spend money that we don’t have, and to barely feel it as we overspend. The cash-only saving method has been gaining popularity. The method is based off of the simple principle that...

What do you actually have to spend per day? Budgeting is about more than accounting for the big expenses. It’s about anticipating your desires for daily coffee, about figuring out whether you can afford that movie, about looking at your expenses and about...

Being a good friend, and what it means for your finances Being financially stable brings a lot of good to life. From having you feel better to ensuring you have a backup fund, it really adds to the quality of life that many people are trying to build. The problem...

Financial success is a common aspiration. There’s nothing quite like knowing that you’re debt free, paying bills on time, and building a savings that contributes to a secure financial future. But how do you get from where you are now to financial...

Coping with financial stress can reduce the stress you feel in many areas of your life. Financial stress affects the whole family and the sooner it is dealt with, the sooner it can be managed. Denying financial strain can and will only make the problem bigger. If you...